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Credit Card - Installment Service Offer

Terms and Conditions
1.	The Cash-In Plan and Easy-Fun Special Handling Charge Offer (“the Offer”) is applicable to all Credit Cards and Co-branded Credit Cards (including Supplementary Card) issued by Banco Comercial de Macau, S.A. (“the Bank”).
2.	The Promotional Period is from 1 October to 31 December 2024 with both dates inclusive.
3.	Cash-In Plan Special Handling Charge Offer
	3.1	The minimum Cash-In amount is $3,000 and in multiples of $500. The Cash-In amount should not exceed 80% of the total amount of the available credit limit of the Credit Card.
	3.2	The Cash-In Plan provides 6-month, 12-month and 18-month installment options.
	3.3	The Special Monthly Handling Fee for application during the Promotion Period is 0.28%, while the Payroll customers, Macau Civil Servant and Public Institution Employee of designated institutions who apply for the Offer would be charged monthly handling fee of 0.25% for any tenors provided, VIP Customers who apply for the Offer would be charged monthly handling fee of 0.23% for any tenors provided.
	3.4	The approved Cash-In amount will be deducted from the available credit limit of Cardholder’s designated Credit Card. Any application once approved by the Bank is irrevocable and cannot be varied.
	3.5	The Program repayment amount per installment is calculated by dividing the total Cash-In amount by the number of tenors plus the monthly handling fee as defined by the Bank.
	3.6	The approval process of the application requires 5 days from receipt of request and notification letter will be mailed to Cardholder upon approval.
4.	Easy-Fun Installment Program Special Handling Charge Offer
	4.1	The Program is applicable to Eligible Transactions made by the Applicant via Eligible Cards. "Eligible Transaction(s)" herein refers to any local or overseas retail transactions carried out with the use of the Eligible Card(s) and other transaction categories, as may be determined by the Bank at its sole and absolute discretion from time to time, posted at the latest Credit Card Statement. All other non-retail transactions, including (but without limitation) any credit card installment program, casino chips, gambling nature transactions, balance transfer, cash advance, credit card annual fee, charges, handling fee, interest or financial charges, etc. plus any other transaction defined by the Bank from time to time, are hereby expressly excluded.
	4.2	The minimum application amount (“Application Amount”) of this Program is MOP/HKD1,000.
	4.3	The Easy-Fun Installment Program provides 6-month, 12-month and 18-month installment options.
	4.4	The Special Monthly Handling Fee for application during the Promotion Period is 0.28%, while the Payroll customers, Macau Civil Servant and Public Institution Employee of designated institutions who apply for the Offer would be charged monthly handling fee of 0.25% for any tenors provided, VIP Customers who apply for the Offer would be charged monthly handling fee of 0.23% for any tenors provided.
	4.5	The total amount approved by the Program will be the sum of the application amount and the handling fee. The total amount will then be deducted from the available Credit Card limit. Once approved, the Cardholder is not allowed to make changes to the applied fee or tenor.
	4.6	The Program application has to be submitted at least 5 working days before the Payment Due Date of the latest Credit Card Statement and notification letter will be mailed to Cardholder upon approval.
	4.7	The Program repayment amount per installment is calculated by dividing the total Easy-Fun application amount by the number of tenor plus the monthly handling fee as defined by the Bank.
5.	The customer type shall be determined according to the bank’s record, while the designated public institutions are: Kiang Wu Nursing College of Macau, University of Saint Joseph, Macau University of Science and Technology, City University of Macau, Macao Institute of Management, Macau Millennium College, University of Macau, Macao Polytechnic University, Macao Institute for Tourism Studies, Escola Superior das Forças de Segurança de Macau, Macao Light Rapid Transit Corporation, Limited, Macau Urban Renewal Limited, Macau Investment and Development Limited, Macau Productivity and Technology Transfer Center, Macau Laboratory of Civil Engineering, Transferência Electrónica de Dados - Macau EDI Van, S.A., World Trade Center Macau, Fundação Escola Portuguesa de Macau, Fundação Oriente and Instituto Português do Oriente.
6.	For early settlement of the outstanding Cash-In amount/Easy-Fun Installment amount or ending the program, the Cardholder should repay the outstanding balance of approved installment amount and a cancellation Fee of $300. Relevant amount and handling fee(s) will then be debited from Cardholder’s Credit Card account automatically.
7.	Should the Credit Card limit exceeded for any reason during the application process or before the approval, the Bank has the right to terminate the application and request immediate partial / full repayment to the outstanding balance.
8.	The Bank shall not be liable if the Bank cannot approve the application due to Cardholder cannot provide complete information to confirm the application details.
9.	The Cash-In amount and Easy-Fun amount are not eligible to the “Credit Card Bonus Point” scheme.
10.	The Bank reserves the right to approve or reject the application without prior notice. All presented application form(s) and relevant document(s) for the Program will not be returned.
11.	The Bank reserves the right to amend these terms and conditions without prior notice.
12.	This service/product is not targeted at customers in the EU.
13.	In case of any dispute, the Bank reserves the right to make the final decision.
14.	If there is any inconsistency between the English and Chinese version, the Chinese version shall prevail.

Visit our branch

Enquiry 8796 8888

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Credit Card - Installment Service Offer

Terms and Conditions
1.	The Cash-In Plan and Easy-Fun Special Handling Charge Offer (“the Offer”) is applicable to all Credit Cards and Co-branded Credit Cards (including Supplementary Card) issued by Banco Comercial de Macau, S.A. (“the Bank”).
2.	The Promotional Period is from 1 October to 31 December 2024 with both dates inclusive.
3.	Cash-In Plan Special Handling Charge Offer
	3.1	The minimum Cash-In amount is $3,000 and in multiples of $500. The Cash-In amount should not exceed 80% of the total amount of the available credit limit of the Credit Card.
	3.2	The Cash-In Plan provides 6-month, 12-month and 18-month installment options.
	3.3	The Special Monthly Handling Fee for application during the Promotion Period is 0.28%, while the Payroll customers, Macau Civil Servant and Public Institution Employee of designated institutions who apply for the Offer would be charged monthly handling fee of 0.25% for any tenors provided, VIP Customers who apply for the Offer would be charged monthly handling fee of 0.23% for any tenors provided.
	3.4	The approved Cash-In amount will be deducted from the available credit limit of Cardholder’s designated Credit Card. Any application once approved by the Bank is irrevocable and cannot be varied.
	3.5	The Program repayment amount per installment is calculated by dividing the total Cash-In amount by the number of tenors plus the monthly handling fee as defined by the Bank.
	3.6	The approval process of the application requires 5 days from receipt of request and notification letter will be mailed to Cardholder upon approval.
4.	Easy-Fun Installment Program Special Handling Charge Offer
	4.1	The Program is applicable to Eligible Transactions made by the Applicant via Eligible Cards. "Eligible Transaction(s)" herein refers to any local or overseas retail transactions carried out with the use of the Eligible Card(s) and other transaction categories, as may be determined by the Bank at its sole and absolute discretion from time to time, posted at the latest Credit Card Statement. All other non-retail transactions, including (but without limitation) any credit card installment program, casino chips, gambling nature transactions, balance transfer, cash advance, credit card annual fee, charges, handling fee, interest or financial charges, etc. plus any other transaction defined by the Bank from time to time, are hereby expressly excluded.
	4.2	The minimum application amount (“Application Amount”) of this Program is MOP/HKD1,000.
	4.3	The Easy-Fun Installment Program provides 6-month, 12-month and 18-month installment options.
	4.4	The Special Monthly Handling Fee for application during the Promotion Period is 0.28%, while the Payroll customers, Macau Civil Servant and Public Institution Employee of designated institutions who apply for the Offer would be charged monthly handling fee of 0.25% for any tenors provided, VIP Customers who apply for the Offer would be charged monthly handling fee of 0.23% for any tenors provided.
	4.5	The total amount approved by the Program will be the sum of the application amount and the handling fee. The total amount will then be deducted from the available Credit Card limit. Once approved, the Cardholder is not allowed to make changes to the applied fee or tenor.
	4.6	The Program application has to be submitted at least 5 working days before the Payment Due Date of the latest Credit Card Statement and notification letter will be mailed to Cardholder upon approval.
	4.7	The Program repayment amount per installment is calculated by dividing the total Easy-Fun application amount by the number of tenor plus the monthly handling fee as defined by the Bank.
5.	The customer type shall be determined according to the bank’s record, while the designated public institutions are: Kiang Wu Nursing College of Macau, University of Saint Joseph, Macau University of Science and Technology, City University of Macau, Macao Institute of Management, Macau Millennium College, University of Macau, Macao Polytechnic University, Macao Institute for Tourism Studies, Escola Superior das Forças de Segurança de Macau, Macao Light Rapid Transit Corporation, Limited, Macau Urban Renewal Limited, Macau Investment and Development Limited, Macau Productivity and Technology Transfer Center, Macau Laboratory of Civil Engineering, Transferência Electrónica de Dados - Macau EDI Van, S.A., World Trade Center Macau, Fundação Escola Portuguesa de Macau, Fundação Oriente and Instituto Português do Oriente.
6.	For early settlement of the outstanding Cash-In amount/Easy-Fun Installment amount or ending the program, the Cardholder should repay the outstanding balance of approved installment amount and a cancellation Fee of $300. Relevant amount and handling fee(s) will then be debited from Cardholder’s Credit Card account automatically.
7.	Should the Credit Card limit exceeded for any reason during the application process or before the approval, the Bank has the right to terminate the application and request immediate partial / full repayment to the outstanding balance.
8.	The Bank shall not be liable if the Bank cannot approve the application due to Cardholder cannot provide complete information to confirm the application details.
9.	The Cash-In amount and Easy-Fun amount are not eligible to the “Credit Card Bonus Point” scheme.
10.	The Bank reserves the right to approve or reject the application without prior notice. All presented application form(s) and relevant document(s) for the Program will not be returned.
11.	The Bank reserves the right to amend these terms and conditions without prior notice.
12.	This service/product is not targeted at customers in the EU.
13.	In case of any dispute, the Bank reserves the right to make the final decision.
14.	If there is any inconsistency between the English and Chinese version, the Chinese version shall prevail.

Visit our branch

Enquiry 8796 8888

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